ZIP 28761 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 28761 (Mcdowell County, North Carolina) lands at 29/100 — low on DLRadar's distress scoring. Climate and flood risk are elevated too — flood (NFIP) exposure (97/100), FEMA disaster exposure (89/100), climate & FEMA risk (60/100). The pressure is most legible in institutional ownership (69/100), structural risk (65/100), construction/permit lag (38/100). construction/permit lag (38/100) and mortgage stress (27/100) stay muted. Structurally it carries 65/100, against 8/100 of stress already in motion.

The peak-phase market in 28761 posted values that rose 2.1% over the year, and 3% higher over three years, at 18/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

The ZIP holds roughly 4,018 housing units. The tenure split is 85% owner-occupied to 16% rented. The typical home is worth about $176,700 (2.5× income, relatively affordable). At $68,152, median income runs below typical U.S. levels. About 22% have a four-year degree. The poverty rate is 10.5%. 7,884 residents call 28761 home, typically aged 46. DLRadar's demographic-stress index for the area reads 26/100. Vacancy runs 20.7%, above the national norm and a classic distress-and-opportunity signal. Rent burden reaches 27% of tenant households.

Net-net, 28761 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. No parcel file is published for 28761 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

Big metro or rural, 28761 runs through one identical scoring model, so its 29/100 sits on the same scale as every other ZIP in Mcdowell County, North Carolina and the nation. The score is rebuilt from public data as it updates, so 28761 reflects the current record instead of a stale or modeled snapshot.

Each component behind 28761 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 29/100 roll-up. Practically, 28761 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.